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KTRS News
TOFFOLI LEAD KINGS OVER BLUES 3-2Tuesday, 03 December 2013 10:57 Published in Sports
LOS ANGELES (AP) -- Rookie Tyler Toffoli scored two goals, Jarret Stoll also tallied and Ben Scrivens made 25 saves for the Los Angeles Kings in a 3-2 victory over the St. Louis Blues on Monday night.
Scrivens, who has performed brilliantly in place of the injured Jonathan Quick, was heading toward his fourth shutout of the season when Kevin Shattenkirk and Vladimir Tarasenko scored in the final 5:54. Scrivens has given up fewer than three goals in each of his last 10 starts and has posted two shutouts since Quick went on injured reserve with a Grade Two groin strain on Nov. 12 at Buffalo.
Los Angeles has allowed fewer than three goals in a franchise-record 13 consecutive games. The streak includes a pair of 3-2 shootout losses to Buffalo and San Jose.
Jaroslav Halak made 20 saves for the Blues, who have lost consecutive games in regulation for the first time this season following their 6-3 defeat at San Jose on Friday. Halak had allowed just five goals in his previous five starts after getting pulled with a 3-0 deficit in the first period of a 4-1 loss at Washington on Nov. 17.
The Kings, who hadn't had a first-period goal in any of their previous four home games - all losses - opened the scoring at the 10:38 mark. Stoll got the puck from Justin Williams near the top of the left circle and took a 40-foot wrist shot that glanced off defenseman Barret Jackman's leg and past Halak with Dustin Brown screening the goalie.
Toffoli made it 2-0 at 16:13 of the period, beating Halak from short range after Drew Doughty's long snap shot from the high slot deflected off Toffoli's stick and Halak's right shoulder before hitting the crossbar. He gave the Kings a three-goal cushion at 5:48 of the second, scoring from the low slot after Willie Mitchell's wrist shot from the left point caromed off teammate Mike Richards.
Toffoli, a 21-year-old center who was taken in the second round of the 2010 draft, has six goals and 11 points in 14 games since he was recalled from the minors on Nov. 2 - and four of his goals have been game-winners. His only other two-goal game in the NHL was on November 9 at Staples Center in a 5-1 win over Vancouver.
NOTES: St. Louis has yet to be shut out this season. ... The Kings eliminated the Blues from the playoffs in each of the previous two seasons. In 2012, they beat St. Louis in the second round on the way to their first Stanley Cup title. The Blues, who entered the NHL with the Kings in the 1967 expansion, are still looking for their first Cup. ... Kings captain Dustin Brown has been held to a goal and an assist in his last 13 games. ... Los Angeles C Jeff Carter, playing in his fourth game after missing the previous 10 because of a lower body injury, carried the puck into the Blues' zone and took a 50-wrist shot that beat Halak to the stick side - but hit the left post with 9 1-2 minutes into the second period. ... The Kings are 8-0-0 when leading after two periods. ... Los Angeles is 0 for 20 on the power play over its last six games.
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AUTO SALES LIVE: INDUSTRY MOMENTUM ROLLS ONTuesday, 03 December 2013 10:51 Published in National News
The holiday weekend and an ongoing shift from cars to small SUVs boosted the auto industry in November.
Buyers took advantage of Black Friday deals, and analysts say the late-month surge likely boosted November sales above a strong month last year.
Chrysler kicked off the sales reports by topping expectations with a gain of 16 percent. General Motors posted an increase of 14 percent while Ford sales rose 7 percent. Toyota had a 10 percent increase while Nissan sales rose 11 percent.
Here's a running account of sales reports for the day, presented in reverse chronological order. All times are EST.
--- 11:15 a.m.: Americans love a rivalry. In the annual battle between the Ford Mustang and the Chevrolet Camaro, the Camaro is set to win the 2013 contest. Year to date, the Chevy has sales of 75,552, compared with 71,540 for the Ford model. Ford rolls out the latest version of the popular pony car this week, with events around the country.
--- 11:00 a.m.: Little slowdown in pickups: Ford sold 65,501 F-Series pickup trucks in November, the seventh straight month where sales topped 60,000. Consider that it takes the company more than two months to sell that many Fusion midsize cars or Escape SUVs, Ford next best-selling vehicles. GM sold 48,748 Chevy Silverados and GMC Sierras combined, while Chrysler says Ram pickup sales totaled 29,635.
--- 10:50 a.m.: GM likes the big picture. Kurt McNeil, GM's U.S. sales chief, said the company feels good about the overall economy and its own sales momentum. "The economy is creating jobs and household wealth," he said. "Energy costs are dropping and credit is available and affordable. All of this bodes well for future growth."
--- 10:40 a.m. It's electric: Sales of the Chevy Volt gained 26 percent to 1,920, while sales of the Nissan Leaf jumped 30 percent to 2,003. Although the two are the best-selling electric vehicles in the U.S., more attention lately has been focused on the Tesla Model S, which sells for about twice the price. The Model S has exceeded sales expectations, but is also the subject of a government investigation after two of the vehicles experienced fires.
--- 10:30 a.m.: With a big month for sales of the Jeep Cherokee, Chrysler took advantage of a shift in the market toward smaller SUVs. Erich Merkle, Ford's top sales analyst, said small crossover SUVs like the Cherokee and Ford Escape continued to gobble up market share during November, gaining two full percentage points over a year ago to 15.5 percent of U.S. sales. The gains came at the expense of small and midsize cars. Midsize cars fell one point to 14.5 percent, while small cars dropped a point to around 20 percent, Merkle said.
--- 10:10 a.m.: Thanksgiving turkey apparently didn't make car buyers sleepy. Toyota credited the holiday weekend with pushing its sales gains to 10 percent.
"Showroom traffic surged over the holiday weekend for Toyota, indicating good momentum we expect to continue through the end of the year and into 2014," said Bill Fay, Toyota division group vice president and general manager.
--- 10 a.m.: General Motors reports a sales increase of 14 percent, led by pickups, the Chevy Tahoe SUV and the Chevy Impala large car.
--- 9:45 a.m.: Ford sales rose 7 percent last month. Sales of F-Series pickups gained 16 percent, and the midsize Fusion rose 51 percent. But the Focus small car slumped, with a decline of 17 percent.
--- 9:20 a.m. The star for Chrysler is the all-new Cherokee small sports utility vehicle. Delayed for months while engineers tinkered with the transmission, the Cherokee notched a rate achievement in November: Sales of more than 10,000 in its first full month on the market.
"That is a big number," said Jeff Schuster, senior vice president of auto sales forecasting for LMC Automotive, an industry consulting firm.
--- 8 a.m. Chrysler beats expectations for an increase of around 10 percent. The Auburn Hills, Mich., company sells 142,275 cars and trucks last month, up from 122,565 a year ago.
The Chrysler brand gains 12 percent as dealers sell 11,288 Town & Country minivans, up 70 percent from the same month last year. The pickup boom rolls on — Ram sales gained 22 percent.
--7:45 a.m. Analysts expect November industry sales to rise from 3.6 percent to 6.3 percent. Here's a recap of forecasts from companies that track sales and also provide car-buying advice:
— TrueCar.com: sales of 1.21 million, up 6.3 percent.
— Edmunds.com: sales of 1.2 million, up 4.7 percent.
— Kelly Blue Book: sales of 1.19 million, up 3.6 percent.
JUDGE: DETROIT ELIGIBLE FOR CHAPTER 9 BANKRUPTCYTuesday, 03 December 2013 10:49 Published in National News
DETROIT (AP) — Detroit is eligible to shed billions in debt in the largest public bankruptcy in U.S. history, a judge said Tuesday in a long-awaited decision that now shifts the case toward how the city will accomplish that task.
Judge Steven Rhodes turned down objections from unions, pension funds and retirees, which, like other creditors, could lose under any plan to solve $18 billion in long-term liabilities.
But that plan isn't on the judge's desk yet. The issue for Rhodes, who presided over a nine-day trial, was whether Detroit met specific conditions under federal law to stay in bankruptcy court and turn its finances around after years of mismanagement, chronic population loss and collapse of the middle class.
The city has argued that it needs bankruptcy protection for the sake of beleaguered residents suffering from poor services such as slow to nonexistent police response, darkened streetlights and erratic garbage pickup — a concern mentioned by the judge during the trial.
"This once proud and prosperous city can't pay its debts. It's insolvent. It's eligible for bankruptcy," Rhodes said in announcing his decision. "At the same time, it also has an opportunity for a fresh start."
Before the July filing, nearly 40 cents of every dollar collected by Detroit was used to pay debt, a figure that could rise to 65 cents without relief through bankruptcy, according to the city.
"The status quo is unacceptable," emergency manager Kevyn Orr testified.
Rhodes said Tuesday that Detroit has a proud history.
"The city of Detroit was once a hard-working, diverse, vital city, the home of the automobile industry, proud of its nickname the Motor City," he said. But he then recited a laundry list of Detroit's warts: double-digit unemployment, "catastrophic" debt deals, thousands of vacant homes, dilapidated public safety vehicles and waves of population loss.
Detroit no longer has the resources to provide critical services, the judge said, adding: "The city needs help."
Rhodes' decision is a critical milestone. He said pensions, like any contract, can be cut, adding that a provision in the Michigan Constitution protecting public pensions isn't a bulletproof shield in a bankruptcy.
The city says pension funds are short by $3.5 billion. Anxious retirees drawing less than $20,000 a year have appeared in court and put an anguished face on the case. Despite his finding, Rhodes cautioned everyone that he won't automatically approve pension cuts that could be part of Detroit's eventual plan to get out of bankruptcy.
There are other wrinkles. Art possibly worth billions at the Detroit Institute of Arts could be part of a solution for creditors, as well as the sale of a water department that serves much of southeastern Michigan. Orr offered just pennies on every dollar owed during meetings with creditors before bankruptcy.
Behind closed doors, mediators, led by another judge, have been meeting with Orr's team and creditors for weeks to explore possible settlements.
Much of the trial, which ended Nov. 8, focused on whether Orr's team had "good-faith" negotiations with creditors before the filing, a key step for a local government to be eligible for Chapter 9. Orr said four weeks were plenty, but unions and pension funds said there never were serious across-the-table talks.
"The governor took more time to interview the consultants to help the city with restructuring than they took to negotiate the restructuring itself. That's absurd," attorney Sharon Levine, representing AFSCME, said at trial.
An appeal of Rhodes' decision is a certainty. Opponents want to go directly to a federal appeals court in Cincinnati, bypassing the usual procedure of having a U.S. District Court judge hear the case.
Orr, a bankruptcy expert, was appointed in March under a Michigan law that allows a governor to send a manager to distressed cities, townships or school districts. A manager has extraordinary powers to reshape local finances without interference from elected officials. But by July, Orr and Gov. Rick Snyder decided bankruptcy was Detroit's best option.
Detroit, a manufacturing hub that offered good-paying, blue-collar jobs, peaked at 1.8 million residents in 1950 but has lost more than a million since then. Tax revenue in a city that is larger in square miles than Manhattan, Boston and San Francisco combined can't reliably cover pensions, retiree health insurance and buckets of debt sold to keep the budget afloat.
Donors have written checks for new police cars and ambulances. A new agency has been created to revive tens of thousands of streetlights that are dim or simply broken after years of vandalism and mismanagement.
While downtown and Midtown are experiencing a rebirth, even apartments with few vacancies, many traditional neighborhoods are scarred with blight and burned-out bungalows.
Besides financial challenges, Detroit has an unflattering reputation as a dangerous place. In early November, five people were killed in two unrelated shootings just a few days apart. Police Chief James Craig, who arrived last summer, said he was almost carjacked in an unmarked car.
The case occurs at a time of a historic political transition. Former hospital executive Mike Duggan takes over as mayor in January, the third mayor since Kwame Kilpatrick quit in a scandal in 2008 and the first white mayor in largely black Detroit since the 1970s.
Orr, the emergency manager, is in charge at least through next fall, although he's expected to give Duggan more of a role at city hall than the current mayor, Dave Bing, who has little influence in daily operations.
Follow Ed White at http://twitter.com/edwhiteap
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This thoughtfully designed chest pack/backpack combo can be worn together or separately. Backpack designed to work with the Windwalker Chestpack as an option for additional capacity. Add a 100 oz. fishpond Waterlog Hydration Reservoir and other essentials and stay out on the water for hours.
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Great movie if you are into rim jobs and toe sucking.High points include all women swallowing.Low points include Mr. Marcus's toe game (Get a Pedicure!!)
Its a compilation tape so you can expect some good and some bad. I like flicks with cumshots so if you don't subtract a star.
O.K. i will admit it the women look pretty damn good untill they pull off they panties to reveal a penis.Pretty wierd stuff but in a good way.The sex seems genuwine.Too much dick for me but i would recomend this tape to someone curious like myself.Worth a look.
Great movie the sex seems to be natural and not forced.The actors and actresses really are into character.Big natural breast dont hurt either plus all the women are hott!!Four and a half
The women give good performances on this tape worth a rental.Unlike south american pie the women speak english.
i understand the concept of having control of you own virtual porn star but the execution is flawed.wierd angles are my big complaint then again its susposed to be in the perspective of her seeing you.must be in the right frame of mind to watch & a big fan of cloe.
this is not the best i swallow tape.the first scene is a keeper though.as ussual rodney moore delivers.the performances are good.worth a look if you are into women swallowing,slurping,sipping & swapping cum.
This movie is just what i wanted a black version of internal combustion the women are hot the sex is hard who could ask for anything more.Even the traliers on the extras screen are worth viewing great movie how about part 2.
Good flick.I like the vareity of asian chicks each is unique in there own way but all share one common fault where are the breast.Otherwise a good flick for asian women lovers.
I had never heard of a internal cumshot movie this will be my 1st but not my last.It was very interesting not as good as i had hoped but different.The women in this movie give good performances but are not drop dead georgeous.See choc full o nut although its not fully internal cumshots.3 and a half


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John Clark
Know your wheats
The whole-wheat family falls into groups depending mostly on how the flour acts in cooking. Some wheat berries are naturally white (they're milder-tasting) and others are darker. All of these are grown in the West and milled into flours or available as berries.
BREAD WHEATS: Dough made with these strong, higher-protein wheats gets very stretchy, traps CO2, and produces bread with a soft yet springy crumb.
- Hard red. The most common wheat, with a nice full flavor.
- Hard white. An albino version of hard red.
- Red Fife. An heirloom with outstanding rich flavor and lots of elasticity.
PASTRY WHEAT: Weaker, lower-protein wheat that is ideal for cakes, cookies, pies, and muffins.
- Soft white. Mild-flavored and silky; also called whole-wheat pastry flour.
PASTA WHEAT: High-protein wheat that's strong but not very elastic.
- Durum. The most common variety used for pasta; has a golden color.
SPECIALTY-USE WHEATS: Try these cooked as whole grains, or experiment with the flour in bread.
- Emmer farro. An ancient wheat, high in protein, with elongated, chewy berries. The flour isn't very strong; mix with bread flour for baking.
- Spelt. Another old variety of bread wheat with a sweeter flavor and somewhat softer texture than hard red.
- Sonora. A softer, lower-protein white wheat somewhere between modern bread and pastry wheats; widely grown in California into the 1880s, it's making a comeback.
In a low-slung research building in the heart of Washington's Skagit Valley, professor Stephen Jones stands next to his random scribbles on a chalkboard. They read: "Grassy. Spice. Hay. Fresh-bright."
These notes from a recent tasting look a lot like a critic's assessment of wine or possibly coffee. But Jones, a plant geneticist, is judging breads. The loaves were baked using the wheat grown in the ripe amber fields outside his new Bread Lab, just south of Bellingham, at the Washington State University Research Center, where he is the director.
The lab, stocked with sacks of flour and stacks of baking trays, is focused on small-scale wheat grown regionally. That's a sea change from just a few years ago. Then, the first "100-mile dieters" searched futilely for local wheat to grind into flour. Although the crop was common in many Western fields in the 19th century, local wheat became scarce when food production became industrialized and centralized.
But today, a stunning array of wheats is coming back: heirloom Red Fife, a flavorful wheat that adds loft to whole-wheat breads, though its low yields make it impractical for mass production; stubby Sonora wheat, a drought-tolerant white variety grown for tortillas in the 1880s; even rarer Ethiopian Blue Tinge emmer farro, a rich-tasting chocolate brown variety.
Why the comeback? A desire for more choices, and more personality than mass-market flours blended from countless fields. Also, since these wheats are grown, milled, and sold locally, they're fresher than typical supermarket flours. They're milled very differently from large-scale commercial wheats too, and many in the field think they're more nutritious as a result. The mills are small-scale and cool-temperature (to preserve nutrients) and the entire wheat berry, or seed, is ground whole; some call it "whole milling." By contrast, big-scale millers separate parts of the grain during processing, then recombine them for whole-wheat flour; it keeps longer but has fewer vitamins.
Though these local wheats can be less predictable to work with, bakers say their biggest payoff is sheer savor.
When George De Pasquale, a pioneer of the Northwest's artisanal baking scene and owner of Seattle's Essential Baking Company, sampled Jones's wheat, he was floored by the flavor—even after 35 years in the business. The flour gave the bread subtleties like those in a good wine.
"You could taste a little bit of spice. You could taste a little bit of something like chocolate," De Pasquale says. "It was that kind of richness and sweetness that got me really excited about this concept of terroir and what's possible."
Another baker, Craig Ponsford (a past winner of the Coupe du Monde de la Boulangerie, a contest in France that's the Olympics of baking), has been so won over by the flavors and health benefits of whole-milled grains that he uses no white flour at his bakery, Ponsford's Place, in San Rafael, California. "I always wanted my bakery to be a place where people came to be nourished, but I just wasn't always clear that what I was using wasn't all that nourishing, that we take all the nutritional value out with white flour."
The Bread Lab will help develop wheat for good flavor, nutrition, and a whole range of other goals, with researchers growing more than 40,000 strains annually in the WSU fields. Working with farmers, millers, and bakers, the lab's projects range from the everyday (helping a pizza maker determine whether there's enough protein and elasticity in his dough) to the more grand (improving an early-maturing strain of wheat for Alaska's harsh climate).


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''The Works'' 8ml Spritzer Workstation contains 1 each of all 6 Pssst! Sheer Shimmer Spritzers, 1 each of all 8 Walnut Ink Spritzers, 1 StazOn Cleaner Spritzer and 1 Ink Potion no. 9 Spritzer, totaling 16 spritzers with room for 4 more!
Note: The Mini Misters from Ranger fit in this also.


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An imaginative look at the BMW M2 Coupe, M235i in different colors and with different wheels, as well as the M235i with M Performance Parts.
The first official 2 Series video teaser posted nearly two weeks ago previewed not only the M235i, but also a cinematic short-film featuring the car.
The complete short-film has now been posted. It's essentially a gratuitous car chase scene, but what better way is there to get more looks at the M235i in action? Click inside for a look (may take a few seconds for video to appear).
This may not be a direct apples to apples comparison since the M235i is currently only available in 2-door coupe form while the CLA45 AMG has 4 doors and a higher price tag, but the M235i will compete in the same segment as the CLA45 AMG and the performance figures are not far off. This is the best comparison we can make until a M2 comes along…
BMW insider Scott26 shares some info on the upcoming BMW 2 Series Gran Coupe 4-Door Sedan.
A 4 door model of the 2 Series has been conceived as part of an expansive compact model strategy. And make no mistake BMW are interested in such a model because it adds consistency to the Gran Coupe series and would be a successful profit unit as well as establishing a RWD narrative for this exciting new segment.
The car is viable because of the modular architecture within the platform.
The car won't appear tomorrow. At least we are looking at a possible mid-late 2015 introduction. BMW need to assess the reaction regarding the CLA and A3 Sedan in regards to how they affect the next step ie C-Klasse and A4 … CONTINUED
Autobild shows us some more views of the 2 Series Coupe and M235i Coupe (Official Thread) from a private showing.
Click through for the video and catch our past and future 2 Series coverage at: http://www.bimmerpost.com/2-series/
Here is the official BMW M235i / 2 Series launch film, promo spot with BMW DTM driver Andy Priaulx, and the first action videos of the M235i (including a launch control demo).
BMW has launched the online visualizer and product microsite for the just revealed BMW M235i and 2 Series Coupe. The 2 Series visualizer lets you configure the M235i and 2 series in its various exterior colors and wheels, as well as the different lines and the M Sport package.
The 2 Series microsite also breaks down the various highlights of the 2 Series Coupe, including Design, Lines & Equipment, Dynamics, Efficiency, Services & Apps, Driver Assistance, Comfort & Safety, and more. There's a particularly cool design comparison against the BMW 2002, the 2 Series Coupe's spiritual descendent.
Check out this stunning set of BMW M235i wallpapers!
We have added the first videos of the BMW M235i 2 Series Coupe to our Official Thread.


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A copy of the Gideon Bible will be retained for those who want it - but they will have to request it at the reception desk.
His argument is that the Bible is also full of references to sex and violence and that the best seller is a much easier read.
But local vicar The Rev Michael Woodcock has accused the hotel boss of cashing in on the EL James novel's runaway success. He said: "It is just a gimmick really.
"It is a shame that the Bible has been taken out.
"But I am sure it will be put back in the future. The more attention that is drawn to this the more bad publicity it gets."
He hit back at suggestions that the Bible contained as many sexual references as Fifty Shades of Grey.
"You can choose bits out of the Bible and take it out of context I suppose," he continued.


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(USA & Canada) Call 1 800 745 8883
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Discover the best cities in Europe.
Experience a destination like never before!
Basel, Switzerland
Dating back to 1681, the Grand Hotel Les Trois Rois in Basel is one of Europe's oldest hotel properties. Overlooking the banks of the river Rhein, the hotel was ideally positioned on a major trade route. One of its earliest big-name guests is believed to have been Napoléon Bonaparte, who held a business lunch when he met here with the authority of Basel to discuss French-Swiss relations in 1798. Today's guests are less interested in trade routes, but the hotel's riverfront rooms remain much-coveted, especially during the annual Art Basel, when guests book up to one year in advance. World travelers know that this scenic Swiss town is beloved year-round and famous for its art, architecture and culture highlights.
Country Dialing Code
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eNotizie - March 2013
Why Join NIAF?
Because NIAF is the premier Italian American organization! With your support, NIAF will continue to help our young leaders of tomorrow, today! And, by joining now, you will enjoy our many new and added benefits, including:
Sinatra Sighting!
Join us on March 15 at the Wigwam Resort for "An Italian aFare to Remember" with Sinatra Stylist Sebastian Anzaldo. The foremost Sinatra impersonator, Anzaldo has starred as the "Chairman of the Board" from Vegas' "Tribute To The Rat Pack" show to ABC-TV's "The Next Best Thing, Who Is The Greatest Celebrity Impersonator?" And more recently he has headlined (with singer Sharon Owens) the Vegas show "Barbra & Frank, The Concert That Never Was...," celebrating the music of Barbra Streisand and Frank Sinatra.
If you never saw Sinatra, this might be the next best thing. So buy tickets while they last! Friday, March 15, at the Wigwam Resort, Litchfield Park, Ariz. A cocktail reception will begin at 6 p.m., followed by a buffet-style Italian dinner at 7:30 p.m., and show at 9 p.m. Tickets: $95 per person. For more information and tickets, contact Deb Cooper at 602-224-2302 or email@example.com.
The Chairman's Golf Invitational
Hosted by NIAF Chairman Jerry Colangelo, the Third Annual Chairman's Golf Invitational on March 16 is a fantastic opportunity to support NIAF while playing 18 holes alongside sports celebrities at the beautiful Wigwam Resort Golf Course in Litchfield Park, Ariz. The tournament includes 18 holes of golf, a continental breakfast, lunch on the patio, and special gifts, a raffle and giveaways. Shotgun start begins at 9:30 a.m.
Registration is $500 per golfer. To register your foursome online, visit www.niaf.org/azgolf. (And don't forget to buy tickets for the Sinatra show the night before!) For information on sponsoring or registering for the golf tournament, contact Jerry Jones at 202-939-3102 and firstname.lastname@example.com.
NIAF's New York Spring Extravaganza
Time to buy your tickets to NIAF's "New York Spring Extravaganza: A Couture Evening at Cipriani 42nd Street." On April 4, 2013, NIAF will host another grand evening of fine dining, heritage and culture, camaraderie and celebration at the Italian Renaissance-inspired Cipriani 42nd Street, the grand site of last year's sold-out New York Gala!
Join co-host of Good Day New York, Rosanna Scotto, in welcoming this year's honorees: PricewaterhouseCoopers partner Mark Casella; Gerald Donini, Chief Operating Officer of Corporate and Investment Banking at Barclays; Dino Fusco, Managing Director and Global Co-head of Corporate Services and Real Estate at Goldman, Sachs & Co.; famous New York restaurateur Tony May; and actress and producer Annabella Sciorra.
Barclays Capital CAO and NIAF Board member Gerard LaRocca will chair the extravaganza; and PepsiCo Americas Beverages Senior Vice President Mario Mercurio will be the Honorary Dinner Chairman. Italian-Australian singer ALFIO will entertain.
Tickets available on a limited basis. Discounts available for members! For more information about sponsorships or tickets, contact Jerry Jones at 202-939-3102 or firstname.lastname@example.com.
Frank J. Guarini/NIAF Media Forum in New York City
NIAF is launching its 2013 series of the Frank J. Guarini/NIAF Media Forums on April 3, in New York City. The forum's panel of experts will address the subject of Italy's newly elected parliament, Italy and Europe's stability, and major challenges ahead. Italian correspondents, American journalists of Italian ancestry and NIAF Council members are invited.
Wednesday, April 3, 6 p.m. - 8:30 p.m.; The New York Times Building, Pepper Hamilton LLP Offices, 37th Floor, 620 Eighth Ave, New York, NY. Contact Elissa Ruffino at 202-939-3106 or email@example.com.
Coming Soon: Spring Issue of Ambassador!
The Spring issue of Ambassador magazine is just around the corner. Coming out in mid-March, it'll feature don't-miss stories on Calabria's Beaches, Baseball in Italy, and an Italian ancestry search that turned up heroics. Make sure to check out the magazine's redesign! And if you don't get Ambassador, join NIAF at www.NIAF.org. The magazine is one of the many benefits NIAF members receive.
Global Affairs Forum
The National Italian American Foundation is co-sponsoring the The Johns Hopkins University School of Advanced International Studies (SAIS) European Studies Program and US-Italy Global Affairs Forum's panel discussion on "The Italian Elections: Did They Solve Anything?" Will the country be governable? Can Italy address its daunting economic challenges? And what does this mean for the United States-Italy relationship? A panel of senior experts will analyze what the first three weeks following the elections tell us about what's ahead.
Light lunch at 12 noon, panel discussion at 12:30 p.m. Monday, March 18; at 1619 Massachusetts Avenue NW, Room 806 (Rome Building), Washington, D.C. Please RSVP to firstname.lastname@example.com.
NIAF's Young Professionals Summer Kick-off
Look for details soon about this fun-filled weekend-long agenda of beach-partying and networking, not to mention the job fair! Memorial Day weekend, May 25-26, at the Bahia Mar Hotel, Fort Lauderdale, Fla. For more information, contact: Kyla McKenna at 202-939-3117 or email@example.com.
Celebrate the Year of Italian Culture 2013!
"The Year of Italian Culture 2013" is an initiative by the Italian government to promote Italy's innovative contributions to the world in science, technology and culture, through a program of events around the United States this year.
The program was officially launched in December 2012, at the National Gallery of Art, with the rare exhibition of Michelangelo's David-Apollo statue. Other Italian masterpieces scheduled for U.S. exhibitions include Caravaggio's "Raising of Lazarus" and Leonardo's "Codex on the Flight of Birds."
A selection from the Medici art collection will travel from Houston this year to Los Angeles; Collodi's "Pinocchio" is already on a 14-city tour; and Verdi and Puccini will heard in concert halls across the country. The year-long series of events will also include performances and conferences focusing on literature, architecture, the sciences, design, fashion and food. To view the entire calendar of events, visit: www.italyinus2013.org.
Diplomatic Courier
Interested in global affairs? Diplomacy and foreign policy? The Diplomatic Courier is an independent magazine that covers all that and more. Check out the March/April edition featuring 100 Women in diplomacy, including NIAF's own Patricia de Stacy Harrison, plus business, politics, entertainment and health.
The Diplomatic Courier publishes six print issues annually, as well as weekly online content and a daily blog. Readers can preview print editions and subscribe at www.diplomaticourier.com, or search the App Store for the iPhone and iPad apps.
Recoup-Shopping for Your Cause!
Help to raise funds supporting NIAF's mission. Shop by the type of deal or by charitable cause at Recoup. To get started, visit www.recoup.com/shop/org/NIAF and join for free.
Italians in DC - 2013 Wine Tasting Seminars
Italians in DC is hosting a series of wine-tasting seminars starting continuing through May. Each seminar will focus on a different wine producing region of Italy and include tastings of some of that region's finest wines along with a detailed profile of each wine, best food pairings and information about the region. The next seminar takes place Monday, March 11, 2013; 7:30-9 p.m. Subsequent seminars are scheduled for April 15, May 6 and May 20. IDC members, $30 per seminar; nonmembers, $35. For details, location and tickets and for other events visit www.italiansindc.com.
Pino Daniele Concert-NYC
Legendary Naples-born Italian vocalist, composer and musician, known worldwide for his fusion of pop, blues, jazz, Italian and Middle eastern music into his own unique brand of world music, is coming to Stage 48 in New York City, June 18 and 19, concert at 8 p.m. (doors open at 6 p.m.). Tickets: $65.
For the first show tickets, visit CLICK HERE. And for second show, CLICK HERE.
Biagio Antonacci Album
Look for the U.S. release of the new CD from Italian singer and songwriter Biagio Antonacci. The CD, "Sapressi dire no," was a #1 album in Italy and features 14 tracks of "sexy modern Italian pop." And stay tuned: there's talk of a U.S. tour this year. View his music video of one of his new songs at: www.youtube.com.
Cooking with Rossella Rago
On March 23, 2013, Rossella Rago, host of "Cooking with Nonna," will teach a cooking class at the famed La Scuola di Eataly in New York City! During the class, Rossella and Nonna Romana will demonstrate how to make dishes from a traditional Pugliese menu "Primavera in Puglia," including savory scallion pie, and cavatelli with mussels, artichoke hearts and cherry tomatoes. Guests will be served all the dishes and a selection of wines from Puglia. La Scuola Grande at Eataly, 200 Fifth Ave., New York, N.Y., 7 - 8:30 p.m. Tickets are $110. To register for the course, visit www.regonline.com.
Also, spend a week with Rossella on her "Sorrento with Rossella Culinary Tour" September 14-21, 2013, at a beautiful villa on the Amalfi Coast. Indulge in the traditional masterpiece dishes of Campania! Learn how to cook the Neapolitan way! And, visit the natural wonders and historic marvels of the Amalfi Coast. Space is limited to 14 guests. For more information please visit: www.cookingwithnonna.com.
Attenzione: Scholarships for High School Students
The Italian Embassy of Washington, D.C., has announced that 28 scholarships to study in Italy are available for high school students who have taken AP Italian. This initiative promotes Italian language in the United States and is supported by Eduitalia, an association of qualified schools and universities that offers courses for foreign students in Italy. For more information, visit http://bit.ly/Vw5jFJ.
March Events at Casa Belvedere
The Italian Cultural Foundation at Casa Belvedere, located on Staten Island, N.Y., offers a wide variety of educational and cultural events. On Tuesday, March 5, Casa Belvedere will screen the 2012 award-winning Italian documentary "18 IUS SOLI" ("We are Italians. Just not Legally"), which examines the law that denies citizenship to young people born in Italy of immigrant parents because they are not of Italian blood. Meet the film's director Fred Kudjo Kuwornu. Light fare and screening at The Road House Restaurant, 1400 Clove Road, Staten Island, N.Y. Suggested Donation: $20. Reservations Recommended. For more information or reservations, contact 718-273-7660 or email@example.com.
For a complete schedule of classes and events, visit www.casa-belvedere.org, call 718-273-7660 or email firstname.lastname@example.com. The Italian Cultural Foundation at Casa Belvedere, 79 Howard Ave., Staten Island, N.Y.
Last Chance: Uffizi Gallery's "Angel" Exhibit
The inspirational exhibition "Offering of the Angels: Tapestries and Paintings from the Uffizi Gallery" has reached the final month of its U.S. tour at Telfair Museum, Jepson Center for the Arts, in Savannah, Ga. The 43 paintings and two tapestries by Baroque and Renaissance masters, including Botticelli, Liberi and Tintoretto, will be on display through March 30, 2013. For more information, visit www.telfair.org.
Take a Stroll on NIAF's Walk of Honor
Book Your 2013 Trips to Italy with NIAF
2013 Heritage Tours By Perillo Tours
Join the National Italian American Foundation in 2013 to visit one of the many beautiful regions of Italy. This year we have partnered with Perillo Tours to provide you with the best selection of trips and excursions.
For additional information or to make a reservation, please call 855-PT-GROUP (855-784-7687) or email firstname.lastname@example.com.
Culture and heritage of Southern Italy
Lemon trees and vineyards cascade down the terraced cliffs to the sea. Soft sea breezes mix with the scent of fresh basil, tomatoes and olive oil. Capri sparkles in the distance. Welcome to Southern Italy! Featuring Apulia, Salerno, Sorrento, Capri, Pompeii, Ravello and Rome! Dates: May 2-11 and September 21-28. Price: $2,689/person (land only). Discount air available from NYC area (call for more details).
The Adriatic Pearls
Join fellow NIAF members on a once in a lifetime Journey of Discover to the Emilia-Romagna region of Italy. Set between Lombardy and Tuscany, and stretching from the Adriatic to the Mediterranean, Emilia-Romagna is the heartland of northern Italy. Emilia is a wealthy area whose tone is well-mannered, well-dressed and comfortable. The region excels in many ways, not least in the regional cuisine. Dates: May 15-22 and October 11-18. Price: $2,170/person (land only). Discount air available from NYC area (call for more details).
Art & Architecture of the Veneto & Lake Garda run lake garda pic here
From art to wine, we will travel through the most famous wine producing vineyards in the villa land during our NIAF exclusive full day of food and wines of the Veneto region. Palladian villas, historic towns, fine art, canals and regional cuisine. Dates: May 15-22 and October 11-18. Price: $1,650/person (land only). Discount air available from NYC area (call for more details).
A New Dining Experience in Classica, Plus Alitalia's Premium Economy Cabin
Alitalia has introduced a new menu in Classica Plus, inspired by our award-winning Magnifica Business Class dining program! When traveling in Classica Plus, passengers now enjoy an enhanced hot meal service, and light snacks or breakfast based on the departure time. The hot meal service allows for a pasta- or meat-based menu selection, and is accompanied by an assortment of warm bread. Both options include an appetizer, a crisp salad and dessert topped off with an espresso upon request. In addition, passengers are offered a welcome drink prior to departure, a hot towel prior to each meal service, soft drinks, and a selection of Italy's finest wines.
As of January 23, 2013, Classica Plus passengers traveling from Italy enjoy meals designed by Alma, the Italian School of International Cuisine overseen by Gualtiero Marchesi. Menus are inspired by the culinary traditions of a featured Italian region. While from February 1, 2013, Classica Plus passengers traveling from the US and other long-haul points to Italy, enjoy cuisine based on Alitalia's Magnifica catering, also designed by ALMA, which currently features a selection of the "Best Of" our regional recipes.
How to reach 55,000 Italophile readers? Sponsor an upcoming edition of NIAF's monthly e-Newsletter. For more information, contact Don Oldenburg at email@example.com.
and edited
by Don Oldenburg


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QBookshop Worldwide
January 27,2012
Tina Ruggiero, M.S., R.D., L.D., co-author of The Best Homemade Baby Food on the Planet, tells TheBump.com there are three basic rules to follow when choosing food for your baby. Learn More.
January 12,2012
Walter Foster Publishing, the world's leading art instruction publisher, and MEDL Mobile, a leader in mobile development, have partnered to create a new drawing experience for creative children. "Kids! Learn to Draw by Walter Foster" teaches budding artists how to draw an engaging array of subjects using step-by-step guides and the touch of a finger. Learn More.
November 1,2011
Cool Springs Press innovative use of Quick Response (QR) codes is the subject of a story in Publishers Weekly. Learn More.


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- About MCC
- What we do
- Get involved
- Stories and resources
- Ways to give
Baltimore youth distribute comforters to refugees
Cathryn Clinton
December 9, 2008
AKRON, Pa. – When Kholiwe Vundla knotted comforters for Mennonite Central Committee (MCC), she didn't know that her youth group would be giving similar comforters to refugees in her own community.
Vundla knotted the comforters at an Atlantic Coast Conference (ACC) youth retreat in September with her youth group from North Baltimore Mennonite Church (NBMC). Mary Martin, clothing coordinator at the MCC East Coast Material Resource Center in Ephrata, Pa., took the comforter tops to the retreat. She shared with the youth that this year, MCC sent comforters to Iraq, Afghanistan, Honduras, Nepal, North Korea, Russia and Ukraine.
NBMC Youth Coordinator Heather Yoder aims to have a youth service project every month. Part of her vision is that the youth interact with the people they serve, so the events become personal experiences.
She had heard that newly arrived Iraqi refugees now living in Baltimore needed blankets through Dr. Mohammed (an assumed name), an Iraqi refugee with ties to the church.
Yoder saw a way to connect people and projects through service. MCC provided comforters to the youth group and Yoder invited Dr. Mohammed to speak at the youth gathering. Yoder emphasized that the meeting was not just about distributing blankets; it was also about showing signs of friendship, and learning more about the situation in Iraq.
Dr. Mohammed talked about his life in Iraq. He was a physician in charge of the hospital system in Baghdad, and was targeted for personal attack. He had to flee the country, and is waiting for his family to join him.
The youth wrote personal notes of welcome to the refugees in Baltimore who received the comforters the following day.
Vundla said, "Hearing the stories from Dr. Mohammed about life in Baghdad helped to put us in their position, and to understand why they left Iraq."
She experienced the joy of service as she was linked with other people that evening.
"Having an Iraqi refugee himself, who still has family in Iraq, speak to us about his experience gave the project a very personal touch," Vundla said.


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Six Golden Bears concluded competition on Saturday in Walnut, Calif.
Eight Bears were in action at 56th Annual Mt. Sac Relays
12 Golden Bears will be in action this weekend in Walnut, Calif.
Following dominant performance at the Big Meet over Stanford, Bears climb to the top
Several Bears had big days, setting numerous PR's on Saturday in Berkeley
Five members of the men's team and three from the women's team were recognized Friday
Bears poised to impress at Edwards Stadium vs. Stanford
Senior Malaina Payton Looks For Big Things At Big Meet
Track and Field News just released their latest dual meet rankings, with the Bears second
Several Bears had big days, setting numerous PR's on Saturday
Cal competed on Friday at the Stanford Invite and SF State Distance Carnival
Bears to compete at the Tri-Meet in Virginia, Stanford Inv. and SFSU Distance Carnival


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A great office credenza can provide the extra space you need for anything that just won't fit in your executive desk. If you need a space for an extra desktop, we have computer credenzas as well. Whether your office is classic or contemporary Hertz Furniture has a storage credenza to fit your taste and budget.
Looking for an office storage solution that won't interrupt the elegance and flow of your work space? When office desk drawers just aren't enough to hold everything you need, a storage credenza offers an easy solution. This attractive piece can fit behind an office desk of any shape, or against an extra empty wall. You can even order multiple units if you have lots of space and many things that need to be stored.
What kind of office credenza should I get?
Not all credenzas offer the same combination of storage features. Your selection should depend on style as well as functionality. If you need to store larger items, binders or books, cabinets are extremely helpful. If, however, you have a lot of small office supplies and spillover files that you need to keep close at hand, drawers are necessary. Some units have a combination of cabinets and drawers so you can get the best of both worlds. The truth is, even if you know what you need at the moment, your needs very well might change so it's always helpful to have a flexible accommodation in your storage credenza.
Our storage credenzas have many different kinds of cabinets and shelving. Sliding doors are an attractive choice that provides easy access. If you want to display cabinet contents, you might choose a unit with some open shelving. Many of the choices include adjustable shelving so you can configure cabinets according to what they are needed for, and reconfigure them when you want to modify the contents. Flexibility is always desirable, no matter where you want to put in the credenza.
How can I secure my office?
Many executives and professionals store sensitive materials and valuable equipment in their offices. You want to make sure that you don't have to worry about leaving things in your personal workspace overnight, or even when you step out for a few minutes. A locking credenza will keep your contents secure, yet conveniently available to you through keyed access.
A credenza file cabinet is perfect for a company president's office or executive suite. It looks nicer than a plain file cabinet and blends in perfectly with other office furniture. When there are extra documents to store and they need to be kept within reach, credenza file cabinets are a natural fit in a classy space.
Where is a good place to put an extra computer in the office?
Some professionals like to keep an extra desktop computer in the office. A computer credenza provides the perfect space for this extra piece. Computer-friendly features offer the support that is needed for anyone to pull-up a chair and work comfortably, even if it is only for a short amount of time. A computer credenza is classier than a regular computer desk but still has all of the modern features you need.
Our selection of storage credenzas includes many models that are part of larger office furniture collections. This enables you to coordinate all of your furnishings for an elegant work space. If you already have most of what you need and are just looking for some extra office storage space, our credenzas come in a choice of elegant finishes so you can match them to your current furniture.
A great storage credenza can make anyone's work experience much more pleasant. When your office has all of the space you need for everything you require throughout the day, you can work more efficiently. If you need help coordinating your space or choosing the best configuration, contact the Hertz Design Center for free design and project assistance.
- Refined By
HON Storage Credenza
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SMART Conference Office Storage Credenza
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Park Lane Locking Storage Credenza File Cabinet
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Bedford Storage Credenza with Sliding Doors
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Bedford Executive Office Credenza File Cabinet
View Details »
Hyperwok Mobile Office Buffet Credenza
View Details »
When you buy from Hertz Furniture, you don't need to compromise on ideals or preferences. You get great warranties, quality and designs all with the additional benefits American made products. With everything from office desks to school chairs conveniently organized on this one Made in USA page, you can definitely afford to buy American.
There are lots of reasons to look for school furniture that is made in the USA. If we want to teach our students to be patriotic, we need to demonstrate our own patriotism in the classroom. By furnishing a learning space with American made school desks, student chairs and bookcases, we send a message to children that we are proud of our country and our home-grown goods. They will understand that there are many reasons to be proud to be an American.
When you go shopping for furniture made in the USA, make sure to really check the label before purchasing anything. While some companies might claim that they are only using American labor, it is possible that certain steps in the assembly process are happening overseas, or that international parts are being used with the assembly process in America. It is important to demonstrate to manufacturers, the American public and the world that it does make a difference to consumers when they have furniture made in America.
There are tons of benefits to purchasing made in USA furniture. First of all, America has very strict standards regarding pollution in product production. When you buy American, you help keep a cleaner environment for the future of our children. When you purchase products without looking for the made in USA label, you don't know what they might contain or what kinds of conditions they were made under. Products from overseas might have been made under substandard working conditions, in factories which are causing tons of air pollution or using child labor.
American labor standards and worker conditions ensure that your office furniture is only produced under acceptable conditions. Made in the USA products have been manufactured through processes which take into account the safety of the workers, the quality of the products and the impact on the environment. When you buy American, you celebrate our country's independence and promote a self-sufficient economy.
When you buy domestically-produced furniture, you can feel good about your purchase. It's great to know that it was made under particular conditions, in compliance with strict standards. You also know who made it. The production of American made furniture creates jobs for our country's citizens. It is always important to support the American labor force, and buying furniture made in the USA is a mutually-beneficial way to do so.
At Hertz Furniture, we know what is important to the American consumer. With our wide array of American made furniture, you can be patriotic and still rely on the quality, style and reliability you have come to expect from Hertz Furniture. So next time you are looking for furniture made in the USA, you can simply come to this page to buy American. Need help choosing which great models will fit best in your space? The experts in the Hertz Design Center will be happy to help with free project-planning advice.


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Dear Editor,
This letter is in response to a recent article (Whistler wants review of private composting facility, Dec. 6), and to clarify details associated with the Sea to Sky Soils Composting Facility. Sea to Sky Soils has a fully permitted, appropriately zoned site located only 13 km north of the RMOW boundaries. Our site boasts extensive buffers ideal for commercial composting. Our technology has been proven to produce a weed free, nutrient rich, �Class A� Compost, ideal for use in local food production (including organic farming, commercial greenhouses and home/community gardens). To do so, we must recycle commercial and municipal food waste (along with any other suitable commercially generated organics, such as fish waste or agricultural wastes) generated within the region.
The Whistler Composting Facility (WCF) currently co-mingles food waste collected from Whistler�s businesses and residents with biosolids/sewage sludge making the compost end product unusable by certified organic farmers and largely undesirable for use in food production. We offer the region a sustainable solution that is funded privately and through the fees we collect for processing and sales. The current Whistler Compost Facility is over capacity during busy times of the year, and the RMOW is forced to export excess organics (biosolids) 600 km south to the Roosevelt Landfill in central Washington. By diverting the food waste to another local facility, additional capacity is provided, and the costs and associated carbon footprint for processing can be reduced.
We have provided tours to the some of the many reference facilities that utilize our technology to RMOW staff and have presented on multiple occasions to council over the past two years to be sure a clear message was provided to our public sector leaders. Despite these efforts, we continue to struggle with misinformation about the size of our facility and the impacts we will have on existing WCF infrastructure. We are a small facility and our focus is the development of a soil amendment that will be used to enhance local certified organic food production. This has been shown to provide growth in many areas and positive benefits to the community.
Recently the RMOW suggested spending millions more of taxpayer dollars to expand the existing Whistler Composting Facility. This money is above and beyond the $12 million already spent on construction only a few years ago. Meanwhile, our new facility has the capacity required in place and provides the public with another option for soil products specifically as they relate to food production and farming without costing the taxpayer anything. The WCF charges a $75/tonne tipping fee for food waste processing and we will do the same to run our business without the need for additional public spending on infrastructure.
It is important to understand that composting is based on a carbon to nitrogen (C:N) ratio with moisture and oxygen as key components, which are required to create ideal composting parameters. It is widely frowned upon in the industry to comingle food waste and biosolids, as currently practiced at the WCF, as it restricts the use of the end product due to cross contamination. Our facility will allow for this practice to stop by separating the food waste for separate processing resulting in an end product that farmers can use and providing support to the local organic farming industry. This in turn will support the food security goals of the region and provide fresh and healthy locally-produced food to the region�s residents and restaurants.
It should also be clarified that there is no standard that exists in Canada under which an input such as compost can be certified organic. Under the Canada Agricultural Products Act (CAPA) agricultural food crops, or processed products intended for human consumption and livestock feeds, can be certified as organic.�Unless the regulatory system changes, non-food products (including compost), products of aquaculture, body products, textiles and other products cannot be certified as organic. Biosolids and its residual contaminants are considered a prohibited compost feedstock in Canadian Organic Agriculture.
Our project is directly in line with the Whistler 2020 sustainability goals. We thank those of you who have voiced your support for this initiative and our desire to improve sustainability along the Sea to Sky corridor through continued growth of small scale farming and locally produced fresh and healthy food.
Jaye-Jay Berggren


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Villas-Boas was fired on Monday following Spurs' 5-0 demolition at home by Liverpool, with some reports claiming he had lost the support of his players.
But speaking on American TV show FOX Soccer Daily, Friedel insisted the entire squad was behind the Portuguese coach.
"I think all the players in the changing room really wanted things to work out for Andre," the veteran goalkeeper said.
"From day one that he came to the club, (he had an) open door policy, very good communication with the players. None of us were happy to see him go.
"We still have to continue to have a very good team spirit, which I know we will.
"We have a lot of quality in the changing room.
"I'm sure the board are going to be hiring a very good manager to take us forward, who the players will all be behind again, because, at the end of the day, we are employed by Tottenham Hotspur Football Club, not by the manager they're bringing in.
"We just have to try to adhere to all of his ideas and try to get results for the football club."


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Greetings all; sorry if you are a registered user lately. The user galleries kinda went *boom*. They are still there but they don't work anymore. It is because of this; if you have any artwork that you want to share with the community please use these options as an alternative:
1) Attach the file to a forum post as an attachment. (this way the file is viewable and can still be downloaded and enjoyed by fans.
2) Use Image Hosting sites like imgur, imageshack, and deviantART. This way your artwork can be easily linked and shared with the fans.
Don't worry I see all the fan creations people post here every day. I add them to the d1/d2 & d3 fan art galleries whenever I can. If you have any questions about anything here please send me a PM and I'll help answer any questions.
Now get out there and show us what you have made!
Results 1 to 3 of 3
Thread: How to Post New Fan Art
14-05-2012, 09:32 #1
- Join Date
- Jul 2008
- Location
- Kansas BattleTag Holyknight-1111
- Posts
- 2,642
How to Post New Fan ArtYour friendly neighborhood Fan Creations Forum Moderator
Creator of the Fiery Runes Series and Chronicles of the Dark Library
Have any questions or suggestions please send me a Message
- The Runeweaver -
31-01-2013, 00:23 #2
Re: How to Post New Fan Art
I cant create a new thread, it says I do not have permission. Strange, I can create elsewhere and I haven't been doing anything wrong. Got a Wordsearch picture I would like to share.. It is kinda fan-art, of some sort.
Thanks in advance.
Edit: and now it works.. LoL (8 Feb 2013)
Last edited by Enkeria; 07-02-2013 at 22:30.
30-09-2013, 01:17 #3
- Join Date
- Jan 2012
- Posts
- 6


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When it comes to dieting you have to remember to keep your body healthy and the best way of doing this is to include weight loss supplements in your diet regime. There are loads of supplements on the market these days and many are made out of herbal and natural extracts. You can also find synthetically produced supplements which also offer you another option which is worth considering. Weight loss supplements are great and give you the chance of losing weight without having to starve yourself in the process. One thing you have to check out before using any sort of weight loss supplements is to see if they conflict with any other type of medication you are taking and you can do this by talking to your doctor. Many of these supplements do help balance out the much needed nutrients your body requires as well as suppressing your appetite and are very useful if you take them whilst eating a well balanced diet together with a regular exercise routine. This ensures that the supplement works more effectively and as such give you better results. Many athletes these da
FREE Shipping on ALL Products in UK Mainland !


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UPDATE: Woman held by knifeman in Burnley siege (From Burnley and Pendle Citizen)
When news happens, text LT and your photos and videos to 80360. Or contact us by email or phone.
UPDATE: Woman held by knifeman in Burnley siege
2:30pm Tuesday 31st December 2013 in News
A WOMAN is being held hostage by a man with a knife in Burnley.
Police received a call just after 4:30pm on Monday about the incident at an address on Escott Gardens in Burnley.
A cordon is in place and a negotiator remains at the scene speaking with a 20-year-old man on the phone.
Police have spoken with the woman concerned, who remains inside the property.
Police now believe there is a third person in the property - who is related to the man.
The situation is ongoing.
Last night, a small group of youths threw fireworks towards the police cordon. They were moved on without further incident.
Updates on Twitter
LancsPolice @LancsPolice4m
Police remain at an address at Escott Gardens in Burnley. We are attempting to bring the situation to a peaceful conclusion
Jordan @jordansedge19m
Armed siege in burnley because someone had barricaded himself into his house. Eh?
Lizzy Davis @LizD9228m
#HappyNewYear to the Burnley folk, oh & to make us even classier there's a siege in duke bar #nye in #Burnley
Laura Ann Bamford @LauraAnnBamfor11h
Really. A siege in Burnley. The second of the festive period? Ridiculous
becky @beckybfc1h
Another siege in burnley, cant be as bants as the one last week.. as the guy got arrested he yelled 'this is a dream come true' #onlyinbtown
David Walker @davewalker2448m
@LancsPolice doing a fine job protecting us as always. Humble too - offered to buy them all coffee and they politely declined. #burnleysiege
Comments (11)
Please log in to enable comment sorting
9:09am Tue 31 Dec 13
You're not mugging me off that easily says...
The sub intelligent morons just beggar belief.
9:45am Tue 31 Dec 13
hunter3062 says...
10:06am Tue 31 Dec 13
HarryBosch says...
Weekly arson attacks, taxis not fit for purpose, clown stories being invented, drugs/drunks/bottle attacks - and that's just for starters!
11:07am Tue 31 Dec 13
hunter3062 says...
HarryBosch wrote:just like most of east lancashire towns..and you live where?? lets all have a dig at your town..albeit i live in burnley not by choice but for work i see bigger clowns and muppets all along the east lancs corridor each and every day..
The whole of Burnley should have ropes and red lamps round it. If the world had piles - that's where they'd be!
Weekly arson attacks, taxis not fit for purpose, clown stories being invented, drugs/drunks/bottle attacks - and that's just for starters!
11:19am Tue 31 Dec 13
shytalk says...
12:30pm Tue 31 Dec 13
useyourhead says...
12:30pm Tue 31 Dec 13
Casper's mum says...
2:56pm Tue 31 Dec 13
Manuel Hung says...
4:35pm Tue 31 Dec 13
You're not mugging me off that easily says...
Manuel Hung wrote:PMSL !
Rip his Satellite dish off the wall and he will be out in 5 mins when he realises he can no longer watch Jeremy Kyle!
5:20pm Tue 31 Dec 13
Michael@ClitheroeSince58 says...
Casper's mum wrote:Get used to them they are here to stay, they could actually add quick information in some cases.
Since when have tweets been part of a news report? Twitter updates???? They don't exactly add anything to the story. Hang your head in shame LT!
10:47am Fri 3 Jan 14
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In Part IV we looked at some sample portfolios built from the three key Index Funds I favor, plus cash. Those four are what we call investments.
But in our complex world we must next consider where to hold these investments. That is, in which bucket should which investment go? There are two types of buckets:
1. Ordinary Buckets
2 Tax Advantaged Buckets
Now at this point I must apologize to my international readers. This post is about to become very USA centric. I am completely ignorant of the tax situation and/or possible tax advantaged buckets of other countries. My guess is, that at least for western style democracies, there are many similarities and possibly you can extrapolate the information here into something relevant to where you live. Or you might post a country specific question in the comments below. The readership of jlcollinsnh has been growing quickly and there are a lot of savvy investors on board who may well be able to help.
Here in the USA the government taxes dividends, interest and capital gains. But it has also created several Tax Advantaged Buckets to encourage retirement savings. While well-intentioned, this has created a whole new level of complexity. Volumes have been written about each of these and the strategies now associated with them. Clearly, we haven't the time or space to review it all. But hopefully I can provide a simple explanation of each along with some considerations to ponder.
The Ordinary Bucket is, in a sense, no bucket at all. This is where everything would go were there no taxes on investment returns. We would just own what we own. Easey peasy. This is where we'll want to put investments that are already "tax efficient."
There are several variations of Tax Advantaged Buckets, and we'll look at each. These are the buckets in which we'll want to place our less tax efficient investments. In general this means investments that generate dividends and interest.
Let's look at our four investments from Part IV:
Stocks. VTSAX (Vanguard Total Stock Market Index Fund) pays around a 2% dividend and most of the gain we seek in in capital appreciation. Ordinary Bucket.
Real Estate. VGSLX (Vanguard REIT Index Fund) REITs (Real Estate Investment Trusts) invest in real estate and this is also a play for capital gains. However REITS also tend to pay dividends, VGSLX in the range of 3-4%. Tax Advantaged Bucket.
Bonds. VBTLX (Vanguard Total Bond Market Index Fund) Bonds are all about interest. Tax Advantaged Bucket.
Cash is also all about interest but, more importantly, it is all about ready access for immediate needs. Ordinary Bucket.
None of this is carved in stone.
There may be exceptions. Proper allocation should trump bucket choice. Your tax bracket, investment horizon and the like will color your personal decisions. But the above should give you a basic framework for considering the options.
Before we look at the specifics of IRAs and 401Ks, this important note:
None of these eliminates your tax obligations. They only defer them.
Fix this in your brain. We are talking about when, not if, the tax due is paid.
There are many, many variations of 401K and IRA accounts. If you are self-employed or work for the government, for example, each has its own variation. We'll look at the three basic varieties here. The rest are branches from these trees.
401K/403b. These are buckets provided by your employer. They select an investment company which then offers a selection of investments from which to choose. Many employers will match your contribution up to a certain amount. Both your and your employer's contributions are tax deferred, reducing your tax bill for the year. All earnings are also tax deferred. The amount you can contribute is capped. In general:
- These are very good things. (but not as good as they once were. See Part VIII-b) I always maxed out my contributions.
- Any employer match is an exceptionally good thing. Free money. Contribute at least enough to capture the full match.
- Unless Vanguard happens to be the investment company your employer has chosen, you won't have access to Vanguard Funds. That's OK….
- …Most 401k plans will have a least one Index Fund option. Look for that.
- When you leave your employer you can roll your 401k into an IRA preserving its tax advantage. Some employers will also let you continue to hold your 401k in their plan. I've always rolled mine.
- Taxes are due when you withdraw your money.
- Money withdrawn before 59 1/2 is subject to penalty.
- After 70 1/2 money is subject to Required Minimum Withdrawals.
IRAs are buckets your hold on your own, separate from any employer.
– Deductible IRA. Contributions you make are deductible from your income for tax purposes. In general, you'll want to use these if you are in a high tax bracket and are looking for a deduction to lower your immediate tax obligation. Just like an 401K.
- All earnings on your investments are tax deferred.
- Taxes are due when you withdraw your money.
- Money withdrawn before 59 1/2 is subject to penalty.
- After 70 1/2 money is subject to Required Minimum Withdrawals.
- Non Deductible IRA. Contributions you make are NOT deductible from your income for tax purposes.
- All earnings on your investments are tax deferred.
- Taxes are due on any dividends, interest or capital gains earned when you withdraw your money.
- Taxes are not due on your original contributions. Since these contributions were made with "after tax" money they have already been taxed.
- Those last two points mean extra record keeping and complexity in figuring your tax due when the time comes. A bad thing.
- Money withdrawn before 59 1/2 is subject to penalty.
- After 70 1/2 money is subject to Required Minimum Withdrawals.
- Roth IRA. Contributions you make are NOT deducible from your income for tax purposes.
- All earnings on your investments are tax-free.
- All withdrawals after age 59 1/2 are tax-free.
- You can withdraw your original contribution anytime, tax and penalty free.
- There is no Required Minimum Withdrawal.
- It can be passed to your heirs tax-free and will continue to grow for them tax-free.
All of these have income restrictions for participation. These change year-to-year, here's a current table:
In short:
401k/401b = Immediate tax benefits & tax-free growth. No income limit means the tax deduction for high income earners can be especially attractive. But taxes are due when the money is withdrawn.
Deductible IRA = Immediate tax benefits & tax-free growth. But taxes are due when the money is withdrawn.
Non-Deductible IRA = No immediate tax benefit, tax-free growth and added complexity. Taxes due when the money is withdrawn.
Roth IRA = No immediate tax benefit, tax-free growth and no taxes due on withdrawal. A better Non-Deductible IRA, if you will.
Now, if you've been paying attention, you might be thinking "Holy cow! This Roth IRA is looking like one very sweet deal. In fact it is even looking like it violates what jlcollinsnh told us to fix in our minds earlier: 'None of these eliminates your tax obligations. They only defer them.'" Gold Star. While you have to contribute money you've already paid tax on, that money then grows tax-free and it remains tax-free on withdrawal. This is something very special and it is what makes the Roth far and away my favorite of these tools.
Because I'm the suspicious type, and the tax advantages of a Roth are so attractive, I start thinking about what might go wrong. Especially since these are such long-term investments and the government can and does change the rules seemingly on a whim. Two things occur to me:
1. The government can simply change the rules and declare money in Roths taxable. But since Roths are becoming so popular and are held by so many people this seems more and more politically unlikely.
2. The government can find an alternative way to tax the money. Increasingly in the USA there is talk of establishing a national sales tax or added value tax. While both may have merit, especially as a substitute for the income tax, these would effectively tax any Roth money as it was spent. This seems more likely to me.
Finally, lets talk a bit about withdrawal strategy. Except for the Roth, all of these have required minimum withdrawals at age 70 1/2. Basically this is the Feds saying "OK. We've waited long enough. Time to pay us our money!" Fair enough. But for those of us diligently building FI (financial independence) there is going to be a very large amount of money in these accounts. Pulling it out in the required amounts on the government time schedule could easily push us into a higher tax bracket.
Assuming when you retire your tax bracket drops, you have a window of opportunity between that moment and age 70 1/2. Let's consider an example.
A married couple retires at 60 years old.
- They have a 10 year window until 70 1/2 to reduce their 401k/IRA holdings.
- The 15% tax bracket is good up to 69k.
- Personal exemptions and the standard deduction are good for another 19k.
- They have up to 88k in income before they get pushed into the 25% bracket.
If their income is below 88k they should seriously consider moving the difference out of their IRA and/or 401k and taking the 15% hit. 15% is a very low rate and worth locking in. So, if they have 50k in taxable income they might withdraw another 38k. They could put it in their Roth, their ordinary bucket investments or just spend it.
There is no one solution. If your 401k/IRA amounts are low you can just leave them alone. If they are very high pulling them out even at a 25% tax might make sense for you. The key is to be aware of this looming required minimum withdrawal hit so you can take it on your own terms.
Addendum #1– October 17, 2012: Health Saving Accounts (HSAs)
Some readers may have access to HSAs. These can be extraordinary useful retirement tools, in addition to providing funds to cover health care costs. My pal, The Mad Fientist, has put together a terrific review on HSAs: http://www.madfientist.com/ultimate-retirement-account/?utm_source=rss&utm_medium=rss&utm_campaign=ultimate-retirement-account
Since I couldn't have said it better myself, I won't.
Addendum #2– March 10, 2013:
Here's a great strategy for using IRAs and Roth IRAs at different stages of your life: Traditional IRA vs. Roth IRA _ The Final Battle
Plus there is a really cool picture of two foxes.
Addendum #3:
In the comment section under Part IX of this series reader Prob 8 posted:
"If anyone doubts JLC's claims regarding the impact of fees and commissions on your portfolio, please check out this video from PBS:http://www.pbs.org/wgbh/pages/frontline/
It's called The Retirement Gamble. (You'll have to paste that into the search box to find the video.) There are interviews with Jack Bogle and all you'll need to know to realize fees and investment advisors are hurting your portfolio more than helping."
I just finished watching it. Very powerful stuff and I highly recommend readers here check it out.
The math on how damaging even seemingly modest 2% fees really are is nothing short of breathtaking; and even I didn't fully appreciate just how laden with fees 401k plans have become. Yikes!
Thanks Prob 8!!
Addendum #4:
Prob 8′s comment above set me to exploring today's 401k plans further. See: Stocks– Part VIII-b: Should you avoid your company's 401k?
Addendum #5: TSP Plans
Buried in the comments below is a conversation with reader Enceladus. It starts July 5th, 2013 if you want to scroll down to read the full exchange. But for my thinking on TSP Plans, here is the low-down:
Hi Enceladus…
TSPs are retirement plans for Federal employees, including military personal. Think 401k for government employees. But better.
One of the cool things about writing this blog is how much I get to learn. Not having any personal experience with TSPs I did a little digging. Unlike the fee heavy cesspool too many 401k plans have become your TSP offers a nice, but not overwhelming, selection of low cost index funds. As you point out, only .027% last year.
Looking at the chart of ERs going back to 1999 the ER has ranged from a low of .015% in 2007 to a high of .102% in 2003. Seems the variation is due, to quote the site, to:
"The TSP expense ratio represents the amount that participants' investment returns were reduced by TSP administrative expenses, net of forfeitures"
Still, even at the worst these are very low ERs. And they seem to be coming down in the last five years or so. Good deal.
Also a good deal is that the funds are index funds. The C-fund you mentioned for instance replicates the S&P 500 index. The S-find is the small cap index. Own both in about a 75/25 balance and you've basically got VTSAX. The F-fund is a bond index.
To answer your question: Yep. These are a no-brainer. I'd max out my TSP right after the civilian 401k for the match. Then Roth.
As for your mix of stock v. bonds, at age 26 I'd go light on the bonds if at all. 10% maybe.
Looking at your total assets as a whole (which is the only way to figure asset allocations), I'd try for something like this:
10% in G-fund (bonds)
25% in S-fund (small cap)
65% in FUSVX/C-Fund
These are all low cost index funds and will serve you well over the decades.


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Thursday, April 24, 2014
By Michael Shepherd firstname.lastname@example.com
State House Bureau
AUGUSTA – A pair of Democratic-backed adjustments to the Republicans' 2011 health care reform law received initial approval Monday in both houses of the Maine Legislature.
In this January 2011 file photo, demonstrators rally in Portland's Lincoln Park against efforts to overturn a state decision limiting health insurance rates. A pair of Democratic-backed adjustments to the Maine Republicans' 2011 health care reform law received initial approval in both houses of the Legislature, but will likely be vetoed by Gov. LePage.
John Ewing / Staff Photographer
But the bills don't have much bipartisan support. One passed with no Republican votes in either the House of Representatives or the Senate. The other was backed by only five Republicans in both chambers combined.
That sets up what looks like an easy veto opportunity for Gov. Paul LePage, whose administration opposes the bills. Before they get to LePage's desk, the bills face further votes in the House and Senate.
Republicans said the changes they enacted in 2011 would free up market forces and bring down the cost of insurance over time, while Democrats argue that the reforms are increasing the costs for older, rural residents and will lead to higher rates overall.
One bill passed by lawmakers on Monday, L.D. 161, sponsored by Rep. Louis Luchini, D-Ellsworth, is aimed at stopping certain geographical impacts of the health care law, Public Law 90.
The law reportedly reduced health insurance rates for many, but had negative effects in rural areas by giving insurers the ability to vary premiums by age and geography. The flexibility meant insurance companies could charge more in higher-cost areas, such as Down East and Aroostook County, than they do in lower-cost, more-populated areas such as southern Maine.
Luchini's bill would place a tighter limit on how much insurers can very rates based on geography. It passed 83-57 in the House on Monday, and the vote somewhat reflected the geographical effects of the existing law.
The only three Republicans to support the bill -- Reps. Tyler Clark of Easton in Aroostook County, Joyce Maker of Calais, and Beth Turner of Burlington in eastern Penobscot County -- represent rural areas. The four Democrats who opposed it are from Sanford, Saco and Biddeford, more populous communities in southern Maine.
The two Senate Republicans who supported the bill, David Burns of Whiting in Washington County and Roger Sherman of Houlton, represent areas Down East and in the north, respectively.
On the House floor, Rep. Robert Saucier, D-Presque Isle, said small employers in his district have reported rate increases of as much as 100 percent, causing them to reduce or even eliminate coverage for employees.
"Allowing insurance companies to discriminate against rural Mainers is clearly hurting our small businesses because it allows insurance companies to take money away from their bottom line," he said.
But Rep. Joyce Fitzpatrick, R-Houlton, said undoing the geographical provision in the law would hurt more than it would help, especially in southern counties.
"Making additional changes to geographic rating will create more disruption in insurance rates," she said.
The second bill passed by lawmakers on Monday, L.D. 225, sponsored by Rep. Nathan Libby, D-Lewiston, would re-establish state review of certain insurance rate increases.
Both the 85-56 House vote and the 20-15 Senate vote broke cleanly along party lines, with no Republicans breaking ranks to support it.
Under the original reform law, insurers are allowed to raise rates without state approval if the increase is less than 10 percent and the company is paying 80 percent of its money from premiums toward care and quality improvement.
Libby's bill would restore the old process of rate review and approval, which included routine hearings by the superintendent of insurance when companies proposed rate increases -- including less than 10 percent -- for individual health insurance plans.
"This bill is about transparency, accountability and fairness," Libby said on the floor.
But supporters of existing law say the review standard is adequate and consistent with federal law, and that anything more would be excessive.
"Prior approval does not translate to lower rates," said Fitzpatrick, who opposed the bill.
Michael Shepherd can be contacted at 370-7652 or at:
Twitter: @mikeshepherdme


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These cereal bars are chewy, crunchy and delicious with good-for-you seeds, nuts, fruit and little explosions of chocolate. We like the flavor of dried cherries or cranberries, but any coarsely chopped dried fruit will work.
Recipe: Chocolate-Cherry Snack Bars
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